Spot it
See where your money goes
For 118 118 Money credit card customers, the app shows daily activity, top merchants, categories and changes over time so spending is easier to follow.
Your financial fitness mate
Daily Expense Tracker for Calmer Spending
118M8 helps you stay close to your spending without guilt or lectures. Track day to day outgoings, notice repeat merchants, and use simple tools that help you slow down before unplanned purchases.
- ✓See daily and weekly spending patterns more clearly
- ✓Spot top merchants and repeat purchases faster
- ✓Turn prices into hours worked before you buy
- ✓Pause with Sleep on it when the answer is not clear yet
Free on iOS and Android from 118 118 Money.
A daily expense tracker should help you notice what usually slips by
Small spends are often the hardest to keep hold of because they feel harmless in the moment. 118M8 helps you see the pattern more clearly, so everyday spending feels easier to understand before it snowballs.
Track real day to day behaviour
Review weekly and monthly movement instead of relying on guesswork.
See which merchants keep showing up
Repeat coffee runs, transport taps and subscriptions become easier to spot.
Understand the trend
Changes versus the previous period help you catch drift before it becomes normal.
Pause before extra spend
When a new purchase appears, 118M8 helps you slow the moment down.
What you can keep an eye on every day
118M8 is built to make everyday spending feel visible, not overwhelming. The app helps you understand where your money is going and gives you a clearer next step when you are about to spend more.
Clock it
See the time cost before you buy
The Wait tool turns a price into hours worked so a quick purchase stops feeling abstract and starts feeling real.
Choose it
Use a neutral decision moment
The Number Generator gives you a playful pause when you want to step back from impulse or peer pressure spending.
Pause it
Come back in 24 hours
Sleep on it adds space between the urge and the decision, which is often all you need to think more clearly.
Daily visibility
Notice patterns while they are still small enough to change
A daily expense tracker is most useful when it helps you catch repeat behaviour early. That might be food deliveries that keep stacking up, transport spending that has crept higher, or small daily buys that are adding more pressure than they seem to.
- 01Review spend over weekly, monthly and yearly windows
- 02See your top merchants by total spend
- 03Use frequency insights to notice repeat habits
- 04Check category trends without being judged for spending
Spending insights are available for 118 118 Money credit card customers and update daily.
Before you buy
Tracking helps most when it changes the next decision
Seeing your history is useful. But the moment that really matters is the next purchase. 118M8 combines visibility with in the moment tools, so your daily expense tracker also helps you make a calmer call when you are about to spend again.
Wait
Clock the price in hours worked so you can decide whether the spend feels worth your time.
Sleep on it
Set a 24 hour reminder when you need distance from the moment before making the call.
If you want a daily expense tracker, start with one that helps you act on what you see
118M8 helps you keep everyday spending visible and gives you practical ways to slow down before extra purchases. Download it and make your next decision feel clearer.
118M8 is a companion tool that helps you sense check spending decisions. It is not financial advice.
Frequently Asked Questions
Can 118M8 work as a daily expense tracker?
Yes. 118M8 helps you review day to day spending, weekly patterns, top merchants and repeat behaviour so your everyday outgoings are easier to notice and understand.
What makes 118M8 different from a basic expense tracker?
It does more than show transactions. It also helps you clock what a purchase costs in hours worked, use a neutral decision tool, and pause with a 24 hour reminder before you spend.
Who is 118M8 for?
118M8 is designed for 118 118 Money customers who want an easy way to sense check purchases and keep their goals on track. It also suits anyone who wants a calmer way to manage everyday spending decisions.
Does 118M8 replace my 118 118 Money account?
No. It complements your existing products by adding spending insights and in the moment decision tools. It is a companion, not a replacement.
Which devices support the app?
118M8 is available on both iOS and Android, with web access planned for the future.